Terms of Use

Last updated: 3 May 2026

Acceptance of terms

By accessing or using student-loan-payoff-strategy-comparer.hub2.day, you agree to these Terms. If you do not agree, do not use the site. The site is a focused, independent web utility that helps you compare the total interest paid and psychological milestones of the Avalanche, Snowball, and Hybrid payoff methods using a specific set of debts.

Informational and convenience use only

The site provides general information and convenience tools only. It does not provide financial, legal, tax, or other professional advice. Calculations and comparisons are based on the numbers you enter and standard mathematical assumptions. You should verify all outputs before relying on them for real-world decisions.

No professional advice

Nothing on the site creates a professional-client relationship. The operator is not your financial advisor, and the site is not a substitute for personalized advice from a qualified professional who understands your full financial situation.

Verification of outputs

You are responsible for verifying any results shown by the site. Outputs may be affected by incomplete or inaccurate inputs, changing interest rates, fees, payment timing, and other real-world factors not captured by the tool. You should cross-check results with your loan servicers or other reliable sources.

Lawful use

You agree to use the site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use of the site. You must not use the site in any way that violates applicable laws or regulations.

Prohibited misuse

You must not misuse the site by introducing malicious code, attempting unauthorized access, interfering with its operation, scraping content at scale, or using it to send spam or harmful material. The operator may restrict access for abusive or suspicious activity.

Ads and third parties

The site may display third-party advertisements, including Google AdSense. Ads are provided for informational and operational support purposes only and do not constitute endorsements. Third-party advertisers may have their own terms and privacy policies, and the operator is not responsible for their content or practices.

Intellectual property

The site’s original content, design, and code are protected by applicable intellectual property laws. You may share or reference the site in a reasonable, non-misleading way, but you may not copy, redistribute, or exploit its original material without permission.

Availability and changes

The site is provided on an “as is” and “as available” basis. The operator may update, modify, or discontinue the site or any feature at any time without notice. The operator is not liable if the site is unavailable for any reason.

Disclaimer of warranties

To the fullest extent permitted by law, the site and its content are provided without warranties of any kind, including warranties of accuracy, reliability, fitness for a particular purpose, or non-infringement. You use the site at your own risk.

Limitation of liability

To the fullest extent permitted by law, the operator is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the site. This includes loss of money, data, opportunity, or anticipated savings, even if the operator has been advised of the possibility of such damages.

Indemnity

You agree to indemnify and hold harmless the operator from any claims, damages, losses, or expenses arising from your misuse of the site, violation of these Terms, or infringement of any third-party rights.

Disputes

These Terms are governed by the laws of the jurisdiction in which the site operator is located, without regard to conflict-of-law principles. Any disputes arising from use of the site will be resolved in the courts of that jurisdiction, unless otherwise required by applicable law.

Privacy reference

Use of the site is also governed by the site’s Privacy Policy, which explains how information such as browser inputs, logs, cookies, and advertising is handled. By using the site, you acknowledge that you have read and understood the Privacy Policy.

Contact

For questions about these Terms, contact hello@student-loan-payoff-strategy-comparer.hub2.day.